Posts Tagged ‘credit report’
What happens to my credit if I decide not to continue with my intention to file for Chapter 13?
May 11th, 2010
I file for Chapter 13 several weeks ago and now every account in my credit report is listed as part of the Chapter 13 plan and there is record of the Chapter 13 been filled with the court. They plan hasn’t been confirmed. What happens if I decide to withdraw the filling? can I do this? what happens to my credit? and how my possibilities to (ie. apply for an apartment) be affected?
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Posted in information on bankruptcy | 
Tags: apartment, chapter 13, credit report, possibilities | 
3 Comments »
Any way to remove a dismissed chapter 13 from my credit report?
May 5th, 2010
Filed for a chapter 13 but could not come to terms with the payment and the modifications that the court wanted. never made a payment on the plan and it was dismissed 60 days later. I negotiated my own terms and paid my creditors off. Now I have a big negative on my credit report for a plan that was never used.
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Is this a valid way to remove a bankruptcy from your credit report?
March 31st, 2010
I have heard this is a good way to remove a BK. See below. Has anyone tried this?
Unlike other negative information which stays on your credit report for 7 years, bankruptcy can be reported for up to 10 years.
Bankruptcy courts keep cases active for a period of two years before placing them on microfiche.
If your Chapter 7 bankruptcy has aged at least 27 months since the date of discharge, your in a great position to make it disappear forever, simply file disputes with the credit bureaus indicating that your bankruptcy was a Chapter 13 and not a Chapter 7.
You need not provide any documentation to support your dispute, the burden of proof is on the government.
Bankruptcy courts do not respond to requests for verification on cases which has been archived to microfiche, as a result the credit bureaus are required to remove the bankruptcy from your credit report.
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Posted in General |
Tags: 10 years, bankruptcy courts, bk, burden of proof, chapter 13, chapter 7 bankruptcy, credit bureaus, credit report, microfiche |
5 Comments »